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According to page 141 of the 2013 X3 owner's manual, the maximum safe fording depth is 19.6 inches and at this height no
faster than walking speed:
"Driving through water
Drive though calm water only if it is not deeper
than 19.6 inches/50 cm, and at this height no
faster than walking speed.
Adhere to water depth and speed limitations
Do not exceed this water depth and walking
speed; otherwise, the vehicle's engine, the electrical
systems and the transmission may be
damaged."
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